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Universal Insurance (UVE) Financials

Universal Insurance logo
$23.48 +0.18 (+0.77%)
Closing price 03:59 PM Eastern
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$23.47 -0.01 (-0.04%)
As of 04:10 PM Eastern
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Annual Income Statements for Universal Insurance

Annual Income Statements for Universal Insurance

This table shows Universal Insurance's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 73 106 99 107 117 47 19 20 -22 67 59
Consolidated Net Income / (Loss)		 73 106 99 107 117 47 19 20 -22 67 59
Net Income / (Loss) Continuing Operations		 73 106 99 107 117 47 19 20 -22 67 59
Total Pre-Tax Income 		128 175 163 170 153 64 24 28 -27 88 85
Total Revenue		 369 547 685 809 873 918 1,049 1,121 1,216 1,385 1,514
Net Interest Income / (Expense)		 0.00 0.00 0.00 0.00 0.00 0.00 -0.10 -0.64 -6.61 -6.53 -6.48
Total Interest Income		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.10 0.64 6.61 6.53 6.48
Long-Term Debt Interest Expense		 - - - - - - 0.10 0.64 6.61 6.53 6.48
Total Non-Interest Income		 369 547 685 809 873 918 1,049 1,122 1,223 1,392 1,521
Other Service Charges		 34 36 24 28 30 34 42 72 81 80 80
Net Realized & Unrealized Capital Gains on Investments		 8.00 6.22 12 16 5.56 41 84 14 13 59 68
Premiums Earned		 327 504 632 745 838 843 924 1,035 1,129 1,252 1,373
Total Non-Interest Expense		 242 372 522 638 720 854 1,025 1,093 1,243 1,297 1,429
Property & Liability Insurance Claims		 123 188 301 350 414 603 759 779 938 993 1,087
Other Operating Expenses		 118 184 221 288 305 251 266 314 305 304 342
Income Tax Expense		 55 69 63 64 36 17 5.13 8.01 -4.99 22 26
Basic Earnings per Share		 $2.17 $3.06 $2.85 $3.07 $3.36 $1.37 $0.60 $0.65 ($0.72) $2.24 $2.07
Weighted Average Basic Shares Outstanding		 33.57M 34.80M 34.92M 34.84M 34.86M 33.89M 31.88M 31.22M 30.75M 29.83M 28.50M
Diluted Earnings per Share		 $2.08 $2.97 $2.79 $2.99 $3.27 $1.36 $0.60 $0.65 ($0.72) $2.22 $2.01
Weighted Average Diluted Shares Outstanding		 35.15M 35.88M 35.65M 35.81M 35.79M 34.23M 31.97M 31.31M 30.75M 30.15M 29.27M
Weighted Average Basic & Diluted Shares Outstanding		 33.60M 34.80M 34.90M 34.80M 34.80M 32.69M 31.21M 31.24M 30.43M 28.97M 28.10M
Cash Dividends to Common per Share		 $0.55 $0.63 $0.69 $0.69 $0.73 $0.77 $0.77 $0.77 $0.77 $0.77 $0.77

Quarterly Income Statements for Universal Insurance

This table shows Universal Insurance's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 -72 25 24 29 -5.92 20 34 35 -16 6.02 41
Consolidated Net Income / (Loss)		 -72 25 24 29 -5.92 20 34 35 -16 6.02 41
Net Income / (Loss) Continuing Operations		 -72 25 24 29 -5.92 20 34 35 -16 6.02 41
Total Pre-Tax Income 		-93 33 33 38 -7.88 26 47 48 -18 7.35 55
Total Revenue		 313 325 311 338 360 376 368 380 386 382 395
Net Interest Income / (Expense)		 -1.63 -1.64 -1.64 -1.63 0.00 -3.27 0.00 0.00 -1.62 -3.24 0.00
Total Interest Income		 0.00 - 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00
Total Interest Expense		 1.63 1.64 1.64 1.63 0.00 3.27 0.00 0.00 1.62 3.24 0.00
Total Non-Interest Income		 308 342 312 340 360 380 368 380 388 385 395
Other Service Charges		 15 35 19 22 18 21 17 20 20 23 23
Net Realized & Unrealized Capital Gains on Investments		 2.22 14 11 14 11 23 17 16 22 14 16
Premiums Earned		 291 292 282 303 331 335 334 345 346 348 356
Total Non-Interest Expense		 399 307 278 300 368 350 320 332 404 374 339
Property & Liability Insurance Claims		 330 223 206 224 288 275 240 244 317 287 251
Other Operating Expenses		 69 85 72 77 78 77 79 87 87 89 87
Amortization Expense		 - - - - 1.63 - 1.62 1.62 - - 1.61
Income Tax Expense		 -21 7.73 8.62 8.97 -1.96 5.90 14 12 -1.96 1.33 14
Basic Earnings per Share		 ($2.36) $0.84 $0.80 $0.94 ($0.20) $0.70 $1.17 $1.24 ($0.57) $0.23 $1.48
Weighted Average Basic Shares Outstanding		 30.60M 30.75M 30.38M 30.27M 29.62M 29.83M 28.87M 28.60M 28.36M 28.50M 28.09M
Diluted Earnings per Share		 ($2.36) $0.84 $0.79 $0.93 ($0.20) $0.70 $1.14 $1.21 ($0.57) $0.23 $1.44
Weighted Average Diluted Shares Outstanding		 30.60M 30.75M 30.63M 30.66M 29.62M 30.15M 29.40M 29.31M 28.36M 29.27M 28.78M
Weighted Average Basic & Diluted Shares Outstanding		 30.51M 30.43M 30.44M 30.08M 29.19M 28.97M 28.76M 28.48M 28.29M 28.10M 28.14M
Cash Dividends to Common per Share		 $0.16 $0.29 $0.16 $0.16 $0.16 $0.29 $0.16 $0.16 $0.16 $0.29 $0.16

Annual Cash Flow Statements for Universal Insurance

This table details how cash moves in and out of Universal Insurance's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 -1.88 82 -91 108 -47 16 -4.87 73 138 8.60 -138
Net Cash From Operating Activities		 123 219 121 245 230 85 29 234 325 71 137
Net Cash From Continuing Operating Activities		 123 219 121 245 230 85 29 234 325 71 137
Net Income / (Loss) Continuing Operations		 73 106 99 107 117 47 19 20 -22 67 59
Consolidated Net Income / (Loss)		 73 106 99 107 117 47 19 20 -22 67 59
Provision For Loan Losses		 0.43 0.61 0.41 0.50 0.00 0.45 -0.08 0.77 1.14 0.15 1.00
Depreciation Expense		 1.19 2.03 3.24 4.06 4.82 4.96 5.11 6.91 7.30 7.31 6.12
Amortization Expense		 2.96 2.35 3.63 4.00 1.48 1.66 4.63 9.79 8.83 7.27 4.46
Non-Cash Adjustments to Reconcile Net Income		 -1.11 11 9.03 2.82 -85 -9.99 -54 4.76 18 -7.28 0.81
Changes in Operating Assets and Liabilities, net		 47 97 5.68 127 191 41 55 192 312 -3.31 66
Net Cash From Investing Activities		 -77 -83 -174 -86 -212 28 22 -229 -149 -15 -228
Net Cash From Continuing Investing Activities		 -77 -83 -174 -86 -212 28 22 -229 -149 -15 -228
Purchase of Property, Leasehold Improvements and Equipment		 -9.27 -12 -8.22 -4.62 -6.73 -11 -17 -7.23 -4.90 -4.02 -7.37
Purchase of Investment Securities		 -273 -338 -392 -287 -470 -224 -1,191 -506 -277 -185 -391
Sale of Property, Leasehold Improvements and Equipment		 0.08 0.09 0.04 0.02 0.04 0.04 0.18 0.16 0.10 0.04 0.11
Sale and/or Maturity of Investments		 205 267 226 206 264 263 1,230 283 133 173 170
Net Cash From Financing Activities		 -48 -55 -38 -52 -65 -97 -56 68 -37 -47 -47
Net Cash From Continuing Financing Activities		 -48 -55 -38 -52 -65 -97 -56 68 -37 -47 -47
Repayment of Debt		 -7.47 -8.47 -2.14 -2.17 -1.47 -1.47 -1.47 -4.84 -1.61 -1.47 -1.47
Repurchase of Common Equity		 -30 -19 -8.51 -18 -25 -66 -29 -1.61 -12 -22 -22
Payment of Dividends		 -19 -22 -24 -24 -26 -26 -25 -24 -24 -23 -22
Other Financing Activities, Net		 -11 -6.32 -6.49 -7.22 -13 -3.47 -1.32 -1.06 -0.42 -0.34 -1.42
Cash Interest Paid		 1.49 0.96 0.42 0.35 0.35 0.25 0.10 0.13 5.80 5.82 5.77
Cash Income Taxes Paid		 45 65 69 69 42 40 1.41 1.41 17 9.71 28

Quarterly Cash Flow Statements for Universal Insurance

This table details how cash moves in and out of Universal Insurance's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Change in Cash & Equivalents		 -25 304 -8.29 -23 -18 58 -83 -72 -83 101 -48
Net Cash From Operating Activities		 -2.27 101 -50 52 69 0.34 83 73 83 -101 187
Net Cash From Continuing Operating Activities		 - 325 0.00 - - 71 0.98 48 -50 140 0.00
Net Income / (Loss) Continuing Operations		 - -22 0.00 - - 67 0.98 48 -50 61 0.00
Net Cash From Investing Activities		 -17 -8.83 -2.63 -13 0.93 -0.79 -74 -110 -23 -21 -42
Net Cash From Continuing Investing Activities		 -17 -8.83 -2.63 -13 0.93 -0.79 -74 -110 -23 -21 -42
Purchase of Property, Leasehold Improvements and Equipment		 -0.60 -0.51 -0.69 -1.17 -1.01 -1.15 -3.30 -1.52 -1.66 -0.89 -1.23
Purchase of Investment Securities		 -56 -30 -36 -62 -39 -49 -111 -145 -96 -39 -77
Sale of Property, Leasehold Improvements and Equipment		 0.06 0.03 0.01 0.02 0.01 0.01 0.05 0.04 0.01 0.01 0.01
Sale and/or Maturity of Investments		 40 22 34 50 41 49 39 37 75 19 37
Net Cash From Financing Activities		 -7.70 -11 -5.67 -11 -17 -13 -9.52 -10 -9.32 -18 -6.48
Net Cash From Continuing Financing Activities		 -7.70 -11 -5.67 -11 -17 -13 -9.52 -10 -9.32 -18 -6.48
Repayment of Debt		 -0.37 -0.38 -0.37 -0.37 -0.37 -0.37 -0.37 -0.37 -0.37 -0.37 -0.37
Repurchase of Common Equity		 -2.42 -1.84 0.00 -6.09 -12 -3.64 -4.51 -5.26 -4.44 -7.72 0.00
Payment of Dividends		 -4.91 -8.90 -4.98 -4.91 -4.80 -8.60 -4.64 -4.64 -4.52 -8.53 -4.84
Other Financing Activities, Net		 - -0.21 -0.31 - - -0.03 0.00 - -0.00 -1.42 -1.27

Annual Balance Sheets for Universal Insurance

This table presents Universal Insurance's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Total Assets		 912 994 173 289 1,858 1,720 1,759 2,056 2,890 2,317 2,842
Cash and Due from Banks		 115 197 106 213 166 182 167 251 389 397 259
Restricted Cash		 2.64 2.64 2.64 2.64 2.64 2.64 13 2.64 2.64 2.64 2.64
Trading Account Securities		 374 458 - - 884 899 905 1,088 1,100 1,145 1,347
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Premises and Equipment, Net		 17 33 - - 59 57 69 60 57 53 57
Unearned Premiums Asset		 241 166 - - 621 432 443 492 352 532 968
Deferred Acquisition Cost		 26 60 65 73 85 92 111 109 104 110 121
Other Assets		 136 77 - - 40 55 52 55 886 76 87
Total Liabilities & Shareholders' Equity		 912 994 534 781 1,858 1,720 1,759 2,056 2,890 2,317 2,842
Total Liabilities		 693 700 534 781 1,357 1,226 1,309 1,626 2,602 1,975 2,469
Non-Interest Bearing Deposits		 18 25 - - 26 31 50 54 55 49 46
Long-Term Debt		 31 24 - - 11 9.93 8.46 104 103 102 101
Claims and Claim Expense		 134 99 58 248 473 268 322 346 1,039 510 959
Unearned Premiums Liability		 396 442 476 532 602 661 783 858 944 991 1,060
Other Long-Term Liabilities		 110 110 - - 242 256 146 265 462 324 301
Commitments & Contingencies		 0.00 0.00 - - 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 200 293 0.00 0.00 502 494 449 430 288 341 373
Total Preferred & Common Equity		 200 293 0.00 0.00 502 494 449 430 288 341 373
Preferred Stock		 0.00 0.00 - - 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 200 293 0.00 0.00 502 494 449 430 288 341 373
Common Stock		 41 71 - - 87 97 104 109 113 116 122
Retained Earnings		 222 307 - - 553 574 568 564 517 561 597
Treasury Stock		 -62 -81 - - -130 -197 -226 -227 -239 -261 -283
Accumulated Other Comprehensive Income / (Loss)		 -1.84 -4.01 - - -8.01 20 3.34 -16 -104 -74 -63

Quarterly Balance Sheets for Universal Insurance

This table presents Universal Insurance's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q2 2022 Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025
Period end date 6/30/2022 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025
Total Assets		 2,383 3,127 2,551 2,918 2,559 2,120 2,679 2,651 2,715
Cash and Due from Banks		 317 307 330 292 344 396 283 334 398
Restricted Cash		 20 2.70 2.64 69 69 2.64 69 69 2.64
Trading Account Securities		 1,101 1,079 1,119 1,127 1,109 1,189 1,291 1,368 1,404
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Premises and Equipment, Net		 60 59 56 55 54 55 55 55 57
Unearned Premiums Asset		 703 532 189 1,195 791 162 663 641 649
Deferred Acquisition Cost		 111 112 98 107 115 107 117 125 116
Other Assets		 71 1,035 756 73 77 208 200 58 89
Total Liabilities & Shareholders' Equity		 2,383 3,127 2,551 2,918 2,559 2,120 2,679 2,651 2,715
Total Liabilities		 2,016 2,866 2,229 2,583 2,257 1,755 2,285 2,250 2,292
Non-Interest Bearing Deposits		 86 78 92 91 76 74 73 72 82
Long-Term Debt		 103 103 103 102 102 102 102 101 101
Claims and Claim Expense		 186 1,154 870 663 551 430 345 460 894
Unearned Premiums Liability		 943 992 899 982 1,040 955 1,042 1,109 1,014
Other Long-Term Liabilities		 697 540 265 745 488 195 723 508 201
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 367 261 322 335 302 365 393 400 422
Total Preferred & Common Equity		 367 261 322 335 302 365 393 400 422
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 367 261 322 335 302 365 393 400 422
Common Stock		 111 112 114 115 116 117 119 121 122
Retained Earnings		 579 501 537 560 549 590 620 599 634
Treasury Stock		 -234 -237 -239 -245 -257 -265 -271 -275 -283
Accumulated Other Comprehensive Income / (Loss)		 -88 -116 -90 -96 -107 -77 -76 -46 -51

Annual Metrics And Ratios for Universal Insurance

This table displays calculated financial ratios and metrics derived from Universal Insurance's official financial filings.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 22.62% 48.00% 25.39% 17.99% 7.94% 5.16% 14.29% 6.89% 8.46% 13.90% 9.31%
EBITDA Growth		 26.99% 36.17% -5.38% 5.18% -10.85% -55.94% -51.57% 32.81% -124.66% 1,025.41% -7.52%
EBIT Growth		 26.90% 37.16% -6.94% 4.67% -10.33% -58.45% -61.85% 17.26% -195.90% 424.25% -4.23%
NOPAT Growth		 23.76% 45.89% -6.64% 7.57% 9.46% -60.26% -58.93% 6.82% -193.46% 450.36% -11.81%
Net Income Growth		 23.76% 45.89% -6.64% 7.57% 9.46% -60.26% -58.93% 6.82% -209.07% 400.23% -11.81%
EPS Growth		 33.33% 42.79% -6.06% 7.17% 9.36% -58.41% -55.88% 8.33% -210.77% 408.33% -9.46%
Operating Cash Flow Growth		 -21.42% 77.77% -44.64% 101.83% -6.08% -63.24% -65.31% 698.62% 38.46% -78.13% 93.54%
Free Cash Flow Firm Growth		 16.61% 7.04% 1,900.42% -69.43% -473.52% 106.28% 17.05% -184.73% 323.77% -88.53% 95.54%
Invested Capital Growth		 17.23% 27.10% -213.82% -36.21% 204.34% -1.79% -9.15% 16.53% -26.76% 13.47% 7.04%
Revenue Q/Q Growth		 7.86% 11.78% 2.47% 10.89% 0.85% -10.65% -33.40% 147.42% 2.30% 3.82% 0.35%
EBITDA Q/Q Growth		 9.11% 9.35% -9.72% 32.63% -28.53% -42.19% -94.46% 107.98% 89.89% 27.52% -7.73%
EBIT Q/Q Growth		 9.37% 6.68% -13.38% 26.64% -31.36% -47.65% -96.05% 105.03% 75.22% 9.45% -17.98%
NOPAT Q/Q Growth		 7.97% 8.32% -13.49% 27.01% -26.82% -48.93% 253.13% -59.87% 78.12% -7.11% -19.18%
Net Income Q/Q Growth		 7.97% 8.32% -13.49% 27.01% -26.80% -48.95% 233.67% -59.87% 76.69% -7.11% -19.18%
EPS Q/Q Growth		 8.90% 8.00% -13.35% 27.23% -27.01% -48.29% 287.50% -60.61% 76.70% -5.93% -18.95%
Operating Cash Flow Q/Q Growth		 15.23% 2,176.82% -44.64% -39.89% 25.56% 35.92% -85.44% 80.59% 76.79% -58.74% -42.54%
Free Cash Flow Firm Q/Q Growth		 -29.38% 1,185.32% 1,775.27% 508.39% -1,841.82% 2.07% -21.63% -268.38% 143.19% -55.45% 210.63%
Invested Capital Q/Q Growth		 13.45% 0.61% -192.88% -213.35% -5.48% -13.02% -5.35% 6.33% 7.44% 9.81% -5.42%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 35.68% 32.83% 24.77% 22.08% 18.24% 7.64% 3.24% 4.02% -0.91% 7.43% 6.29%
EBIT Margin		 34.56% 32.02% 23.77% 21.08% 17.52% 6.92% 2.31% 2.53% -2.24% 6.38% 5.59%
Profit (Net Income) Margin		 19.77% 19.48% 14.51% 13.22% 13.41% 5.07% 1.82% 1.82% -1.83% 4.82% 3.89%
Tax Burden Percent		 57.20% 60.84% 61.03% 62.72% 76.57% 73.23% 78.85% 71.82% 81.69% 75.64% 69.65%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 42.80% 39.16% 38.97% 37.28% 23.43% 26.77% 21.15% 28.18% 0.00% 24.36% 30.35%
Return on Invested Capital (ROIC)		 31.57% 37.58% 0.00% 0.00% 1,096.96% 9.15% 3.97% 4.12% -4.13% 16.03% 12.84%
ROIC Less NNEP Spread (ROIC-NNEP)		 31.57% 37.58% 0.00% 0.00% 1,096.96% 9.15% 3.97% 4.12% -7.21% 16.03% 12.84%
Return on Net Nonoperating Assets (RNNOA)		 5.43% 4.01% 0.00% 0.00% -1,050.29% 0.20% 0.08% 0.53% -2.08% 5.22% 3.65%
Return on Equity (ROE)		 37.00% 41.59% 67.84% 0.00% 46.67% 9.34% 4.05% 4.64% -6.20% 21.24% 16.49%
Cash Return on Invested Capital (CROIC)		 15.71% 13.72% 0.00% 0.00% -173.02% 10.96% 13.56% -11.15% 26.76% 3.40% 6.04%
Operating Return on Assets (OROA)		 13.93% 18.37% 27.92% 73.73% 14.24% 3.55% 1.39% 1.49% -1.10% 3.39% 3.28%
Return on Assets (ROA)		 7.97% 11.18% 17.04% 46.25% 10.90% 2.60% 1.10% 1.07% -0.90% 2.57% 2.28%
Return on Common Equity (ROCE)		 35.22% 40.05% 67.84% 0.00% 46.67% 9.34% 4.05% 4.64% -6.20% 21.24% 16.49%
Return on Equity Simple (ROE_SIMPLE)		 36.51% 36.33% 0.00% 0.00% 23.33% 9.42% 4.25% 4.75% -7.73% 19.58% 15.79%
Net Operating Profit after Tax (NOPAT)		 73 106 99 107 117 47 19 20 -19 67 59
NOPAT Margin		 19.77% 19.48% 14.51% 13.22% 13.41% 5.07% 1.82% 1.82% -1.57% 4.82% 3.89%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 3.08% 0.00% 0.00%
SG&A Expenses to Revenue		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Expenses to Revenue		 65.44% 67.98% 76.23% 78.92% 82.48% 93.08% 97.69% 97.47% 102.24% 93.62% 94.41%
Earnings before Interest and Taxes (EBIT)		 128 175 163 170 153 64 24 28 -27 88 85
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 132 179 170 179 159 70 34 45 -11 103 95
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 2.43 2.01 0.00 0.00 2.04 1.49 0.87 1.08 1.03 1.32 1.60
Price to Tangible Book Value (P/TBV)		 2.43 2.01 0.00 0.00 2.04 1.49 0.87 1.08 1.03 1.32 1.60
Price to Revenue (P/Rev)		 1.32 1.08 1.07 0.88 1.17 0.80 0.37 0.41 0.24 0.32 0.39
Price to Earnings (P/E)		 6.65 5.52 7.36 6.67 8.74 15.84 20.56 22.66 0.00 6.72 10.11
Dividend Yield		 4.23% 2.91% 2.63% 2.66% 2.05% 2.88% 5.11% 4.11% 6.57% 3.96% 3.66%
Earnings Yield		 15.03% 18.12% 13.58% 15.00% 11.44% 6.31% 4.86% 4.41% 0.00% 14.87% 9.89%
Enterprise Value to Invested Capital (EV/IC)		 1.67 1.30 0.00 0.00 1.69 1.12 0.48 0.59 0.02 0.34 0.92
Enterprise Value to Revenue (EV/Rev)		 1.13 0.75 0.91 0.61 0.99 0.61 0.21 0.28 0.01 0.11 0.29
Enterprise Value to EBITDA (EV/EBITDA)		 3.17 2.30 3.67 2.78 5.44 8.01 6.52 6.94 0.00 1.47 4.57
Enterprise Value to EBIT (EV/EBIT)		 3.27 2.36 3.83 2.92 5.66 8.85 9.13 11.02 0.00 1.71 5.14
Enterprise Value to NOPAT (EV/NOPAT)		 5.72 3.87 6.27 4.65 7.39 12.08 11.58 15.34 0.00 2.27 7.38
Enterprise Value to Operating Cash Flow (EV/OCF)		 3.38 1.88 5.14 2.03 3.76 6.64 7.54 1.34 0.03 2.13 3.17
Enterprise Value to Free Cash Flow (EV/FCFF)		 11.49 10.60 0.80 2.09 0.00 10.09 3.39 0.00 0.07 10.67 15.68
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.14 0.08 0.00 0.00 0.02 0.02 0.02 0.24 0.36 0.30 0.27
Long-Term Debt to Equity		 0.14 0.08 0.00 0.00 0.02 0.02 0.02 0.24 0.36 0.30 0.27
Financial Leverage		 0.17 0.11 -1.15 0.00 -0.96 0.02 0.02 0.13 0.29 0.33 0.28
Leverage Ratio		 4.64 3.72 3.98 0.00 4.28 3.59 3.69 4.34 6.89 8.28 7.22
Compound Leverage Factor		 4.64 3.72 3.98 0.00 4.28 3.59 3.69 4.34 6.89 8.28 7.22
Debt to Total Capital		 12.27% 7.58% 0.00% 0.00% 2.22% 1.97% 1.85% 19.44% 26.31% 23.01% 21.34%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 12.27% 7.58% 0.00% 0.00% 2.22% 1.97% 1.85% 19.44% 26.31% 23.01% 21.34%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 7.61% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 80.12% 92.42% 0.00% 0.00% 97.78% 98.03% 98.15% 80.56% 73.69% 76.99% 78.66%
Debt to EBITDA		 0.23 0.13 0.00 0.00 0.07 0.14 0.25 2.30 -9.24 0.99 1.06
Net Debt to EBITDA		 -0.66 -0.98 0.00 0.00 -0.99 -2.49 -5.05 -3.31 25.94 -2.89 -1.69
Long-Term Debt to EBITDA		 0.23 0.13 0.00 0.00 0.07 0.14 0.25 2.30 -9.24 0.99 1.06
Debt to NOPAT		 0.42 0.23 0.00 0.00 0.10 0.21 0.44 5.08 -5.39 1.53 1.72
Net Debt to NOPAT		 -1.20 -1.65 0.00 0.00 -1.35 -3.76 -8.97 -7.32 15.13 -4.46 -2.73
Long-Term Debt to NOPAT		 0.42 0.23 0.00 0.00 0.10 0.21 0.44 5.08 -5.39 1.53 1.72
Noncontrolling Interest Sharing Ratio		 4.82% 3.71% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 36 39 778 238 -888 56 65 -55 124 14 28
Operating Cash Flow to CapEx		 1,343.20% 1,860.91% 1,482.79% 5,332.10% 3,436.45% 750.25% 172.29% 3,317.92% 6,757.91% 1,784.54% 1,891.98%
Free Cash Flow to Firm to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 686.46 -86.60 18.71 2.17 4.28
Operating Cash Flow to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 308.93 367.36 49.10 10.87 21.21
Operating Cash Flow Less CapEx to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 129.62 356.29 48.38 10.26 20.09
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.40 0.57 1.17 3.50 0.81 0.51 0.60 0.59 0.49 0.53 0.59
Fixed Asset Turnover		 27.82 21.67 0.00 0.00 0.00 15.77 16.69 17.48 20.84 25.12 27.50
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 250 317 -361 -492 513 504 458 533 391 443 474
Invested Capital Turnover		 1.60 1.93 -31.27 -1.90 81.79 1.81 2.18 2.26 2.63 3.32 3.30
Increase / (Decrease) in Invested Capital		 37 68 -678 -131 1,005 -9.20 -46 76 -143 53 31
Enterprise Value (EV)		 417 412 624 497 865 562 221 313 8.51 151 435
Market Capitalization		 486 588 732 713 1,023 737 393 462 297 449 596
Book Value per Share		 $5.83 $8.23 $0.00 $0.00 $14.36 $14.87 $14.34 $13.79 $9.44 $11.69 $13.20
Tangible Book Value per Share		 $5.83 $8.23 $0.00 $0.00 $14.36 $14.87 $14.34 $13.79 $9.44 $11.69 $13.20
Total Capital		 250 317 0.00 0.00 513 504 458 533 391 443 474
Total Debt		 31 24 0.00 0.00 11 9.93 8.46 104 103 102 101
Total Long-Term Debt		 31 24 0.00 0.00 11 9.93 8.46 104 103 102 101
Net Debt		 -87 -176 -108 -216 -158 -175 -171 -149 -289 -298 -161
Capital Expenditures (CapEx)		 9.18 12 8.19 4.60 6.70 11 17 7.06 4.80 3.98 7.26
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.18 0.00 0.00
Net Nonoperating Obligations (NNO)		 31 24 -361 -492 11 9.93 8.46 104 103 102 101
Total Depreciation and Amortization (D&A)		 4.15 4.39 6.87 8.06 6.30 6.62 9.74 17 16 15 11
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $2.17 $3.06 $2.85 $3.07 $3.36 $1.37 $0.60 $0.65 ($0.72) $2.24 $2.07
Adjusted Weighted Average Basic Shares Outstanding		 33.57M 34.80M 34.92M 34.84M 34.86M 33.89M 31.88M 31.22M 30.75M 29.83M 28.50M
Adjusted Diluted Earnings per Share		 $2.08 $2.97 $2.79 $2.99 $3.27 $1.36 $0.60 $0.65 ($0.72) $2.22 $2.01
Adjusted Weighted Average Diluted Shares Outstanding		 35.15M 35.88M 35.65M 35.81M 35.79M 34.23M 31.97M 31.31M 30.75M 30.15M 29.27M
Adjusted Basic & Diluted Earnings per Share		 $2.17 $0.00 $0.00 $0.00 $0.00 $1.37 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 35.31M 35.11M 35.17M 34.86M 34.90M 32.69M 31.21M 31.24M 30.43M 28.97M 28.10M
Normalized Net Operating Profit after Tax (NOPAT)		 73 106 99 107 117 47 19 20 -19 67 59
Normalized NOPAT Margin		 19.77% 19.48% 14.51% 13.22% 13.41% 5.07% 1.82% 1.82% -1.57% 4.82% 3.89%
Pre Tax Income Margin		 34.56% 32.02% 23.77% 21.08% 17.52% 6.92% 2.31% 2.53% -2.24% 6.38% 5.59%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 255.06 44.53 -4.12 13.53 13.07
NOPAT to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 201.11 31.99 -2.89 10.23 9.10
EBIT Less CapEx to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 75.76 33.46 -4.85 12.92 11.94
NOPAT Less CapEx to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 21.80 20.91 -3.61 9.62 7.98
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 26.38% 20.94% 24.35% 22.45% 21.80% 56.15% 128.54% 118.59% -106.86% 34.85% 37.89%
Augmented Payout Ratio		 67.12% 38.45% 32.91% 39.42% 43.39% 198.44% 279.92% 126.48% -159.17% 67.81% 75.07%

Quarterly Metrics And Ratios for Universal Insurance

This table displays calculated financial ratios and metrics derived from Universal Insurance's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 11.18% 9.19% 8.69% 15.73% 15.10% 15.67% 17.91% 12.51% 7.19% 1.39% 7.31%
EBITDA Growth		 -426.24% 128.34% 45.93% 104.56% 92.77% 41.77% 44.81% 31.94% -190.15% -71.64% 16.21%
EBIT Growth		 -426.24% 128.34% 45.93% 104.56% 90.88% 41.77% 44.81% 27.61% -130.07% -71.64% 16.79%
NOPAT Growth		 -423.37% 155.65% 37.84% 287.60% 91.55% -20.36% 39.23% 23.98% -130.07% -69.91% 23.12%
Net Income Growth		 -458.10% 152.18% 37.84% 287.60% 91.82% -20.36% 39.23% 23.98% -173.25% -69.91% 23.12%
EPS Growth		 -468.75% 154.90% 41.07% 287.50% 91.53% -16.67% 44.30% 30.11% -185.00% -67.14% 26.32%
Operating Cash Flow Growth		 -113.45% 355.94% -85.58% -79.54% 3,153.86% -99.66% 264.98% 41.62% 19.35% -29,905.59% 125.25%
Free Cash Flow Firm Growth		 3,298.28% 238.95% 612.04% 133.47% -162.68% -119.45% -108.48% -136.57% -142.65% 22.88% -83.95%
Invested Capital Growth		 -27.52% -26.76% -15.08% -6.95% 11.03% 13.47% 9.92% 13.23% 24.27% 7.04% 12.21%
Revenue Q/Q Growth		 7.12% 4.01% -4.50% 8.77% 6.54% 4.53% -2.66% 3.79% 1.50% -1.13% 3.48%
EBITDA Q/Q Growth		 -570.46% 121.16% 79.52% 14.48% -116.64% 514.60% 147.91% 4.30% -136.59% 140.53% 676.96%
EBIT Q/Q Growth		 -570.46% 121.16% 79.52% 14.48% -120.98% 428.75% 147.91% 0.89% -137.83% 140.53% 655.02%
NOPAT Q/Q Growth		 -985.56% 138.47% -3.74% 18.17% -119.30% 462.70% 68.29% 5.23% -135.82% 147.44% 588.58%
Net Income Q/Q Growth		 -1,080.66% 134.74% -3.74% 18.17% -120.71% 438.11% 68.29% 5.23% -145.64% 137.23% 588.58%
EPS Q/Q Growth		 -1,083.33% 135.59% -5.95% 17.72% -121.51% 450.00% 62.86% 6.14% -147.11% 140.35% 526.09%
Operating Cash Flow Q/Q Growth		 -100.90% 4,571.02% -149.58% 202.79% 34.02% -99.51% 24,287.06% -11.77% 12.94% -222.65% 284.30%
Free Cash Flow Firm Q/Q Growth		 177.48% 130.66% -40.70% -38.48% -174.50% 28.43% 74.15% -165.31% -394.34% 77.25% 38.34%
Invested Capital Q/Q Growth		 -22.59% 7.44% 8.63% 2.99% -7.63% 9.81% 5.23% 6.08% 1.38% -5.42% 10.32%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 -27.60% 5.61% 10.55% 11.11% -1.73% 6.88% 12.96% 13.03% -4.70% 1.92% 14.45%
EBIT Margin		 -27.60% 5.61% 10.55% 11.11% -2.19% 6.88% 12.96% 12.60% -4.70% 1.92% 14.04%
Profit (Net Income) Margin		 -23.11% 7.72% 7.78% 8.45% -1.64% 5.31% 9.19% 9.31% -4.19% 1.58% 10.49%
Tax Burden Percent		 77.52% 76.47% 73.72% 76.10% 75.09% 77.23% 70.88% 73.93% 89.19% 81.93% 74.72%
Interest Burden Percent		 107.99% 179.78% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 0.00% 23.53% 26.28% 23.90% 0.00% 22.77% 29.12% 26.07% 0.00% 18.07% 25.28%
Return on Invested Capital (ROIC)		 -57.33% 20.31% 20.89% 23.99% -5.33% 17.65% 29.72% 29.64% -10.96% 5.20% 32.67%
ROIC Less NNEP Spread (ROIC-NNEP)		 -70.03% 20.31% 20.89% 23.99% -5.72% 17.65% 29.72% 29.64% -14.37% 5.20% 32.67%
Return on Net Nonoperating Assets (RNNOA)		 -10.23% 5.84% 5.99% 7.03% -2.09% 5.74% 8.85% 8.31% -4.17% 1.48% 8.42%
Return on Equity (ROE)		 -67.56% 26.16% 26.89% 31.02% -7.41% 23.39% 38.56% 37.95% -15.13% 6.68% 41.09%
Cash Return on Invested Capital (CROIC)		 11.75% 26.76% 13.74% 8.43% 8.30% 3.40% 7.68% 5.44% -5.54% 6.04% 1.97%
Operating Return on Assets (OROA)		 -12.45% 2.76% 6.09% 5.39% -1.03% 3.66% 8.00% 6.68% -2.72% 1.13% 8.95%
Return on Assets (ROA)		 -10.42% 3.79% 4.49% 4.10% -0.77% 2.83% 5.67% 4.94% -2.43% 0.93% 6.69%
Return on Common Equity (ROCE)		 -67.56% 26.16% 26.89% 31.02% -7.41% 23.39% 38.56% 37.95% -15.13% 6.68% 41.09%
Return on Equity Simple (ROE_SIMPLE)		 -36.64% 0.00% -4.85% 1.67% 23.86% 0.00% 20.93% 21.15% 18.22% 0.00% 15.79%
Net Operating Profit after Tax (NOPAT)		 -65 25 24 29 -5.51 20 34 35 -13 6.02 41
NOPAT Margin		 -20.86% 7.72% 7.78% 8.45% -1.53% 5.31% 9.19% 9.31% -3.29% 1.58% 10.49%
Net Nonoperating Expense Percent (NNEP)		 12.71% 0.00% 0.00% 0.00% 0.39% 0.00% 0.00% 0.00% 3.41% 0.00% 0.00%
SG&A Expenses to Revenue		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Expenses to Revenue		 127.60% 94.39% 89.45% 88.89% 102.19% 93.12% 87.04% 87.40% 104.70% 98.08% 85.96%
Earnings before Interest and Taxes (EBIT)		 -86 18 33 38 -7.88 26 47 48 -18 7.35 55
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 -86 18 33 38 -6.25 26 47 50 -18 7.35 57
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.05 1.03 1.62 1.33 1.34 1.32 1.59 1.36 1.58 1.60 1.58
Price to Tangible Book Value (P/TBV)		 1.05 1.03 1.62 1.33 1.34 1.32 1.59 1.36 1.58 1.60 1.58
Price to Revenue (P/Rev)		 0.23 0.24 0.42 0.35 0.30 0.32 0.40 0.36 0.42 0.39 0.43
Price to Earnings (P/E)		 0.00 0.00 0.00 79.92 5.62 6.72 7.59 6.43 8.66 10.11 9.98
Dividend Yield		 6.83% 6.57% 3.74% 4.37% 4.76% 3.96% 3.05% 3.28% 2.75% 3.66% 3.25%
Earnings Yield		 0.00% 0.00% 0.00% 1.25% 17.79% 14.87% 13.18% 15.54% 11.55% 9.89% 10.02%
Enterprise Value to Invested Capital (EV/IC)		 0.19 0.02 0.68 0.43 0.23 0.34 0.60 0.58 0.66 0.92 0.70
Enterprise Value to Revenue (EV/Rev)		 0.06 0.01 0.23 0.15 0.07 0.11 0.20 0.19 0.22 0.29 0.24
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.00 82.98 1.16 1.47 2.74 2.51 3.20 4.57 3.95
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 82.98 1.16 1.71 2.74 2.51 3.20 5.14 3.95
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 33.65 1.30 2.27 3.70 3.42 4.53 7.38 5.49
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.37 0.03 0.96 1.87 0.54 2.13 1.38 1.26 1.38 3.17 1.52
Enterprise Value to Free Cash Flow (EV/FCFF)		 1.32 0.07 4.58 4.91 2.94 10.67 8.24 11.23 0.00 15.68 37.55
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.40 0.36 0.32 0.31 0.34 0.30 0.28 0.26 0.25 0.27 0.24
Long-Term Debt to Equity		 0.40 0.36 0.32 0.31 0.34 0.30 0.28 0.26 0.25 0.27 0.24
Financial Leverage		 0.15 0.29 0.29 0.29 0.37 0.33 0.30 0.28 0.29 0.28 0.26
Leverage Ratio		 6.98 6.89 5.99 7.56 10.11 8.28 6.80 7.69 7.42 7.22 6.14
Compound Leverage Factor		 7.54 12.39 5.99 7.56 10.11 8.28 6.80 7.69 7.42 7.22 6.14
Debt to Total Capital		 28.32% 26.31% 24.17% 23.43% 25.32% 23.01% 21.83% 20.54% 20.22% 21.34% 19.31%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 28.32% 26.31% 24.17% 23.43% 25.32% 23.01% 21.83% 20.54% 20.22% 21.34% 19.31%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 71.68% 73.69% 75.83% 76.57% 74.69% 76.99% 78.17% 79.46% 79.78% 78.66% 80.69%
Debt to EBITDA		 -0.94 -9.24 -6.06 45.28 1.27 0.99 0.99 0.90 0.98 1.06 1.09
Net Debt to EBITDA		 1.88 25.94 13.60 -114.08 -3.85 -2.89 -2.88 -2.21 -2.92 -1.69 -3.24
Long-Term Debt to EBITDA		 -0.94 -9.24 -6.06 45.28 1.27 0.99 0.99 0.90 0.98 1.06 1.09
Debt to NOPAT		 -1.18 -5.39 -8.66 18.37 1.42 1.53 1.33 1.22 1.39 1.72 1.51
Net Debt to NOPAT		 2.38 15.13 19.43 -46.27 -4.32 -4.46 -3.89 -3.01 -4.13 -2.73 -4.49
Long-Term Debt to NOPAT		 -1.18 -5.39 -8.66 18.37 1.42 1.53 1.33 1.22 1.39 1.72 1.51
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 73 168 100 61 -46 -33 -8.44 -22 -111 -25 -16
Operating Cash Flow to CapEx		 -426.93% 21,160.33% -7,379.88% 4,464.74% 6,943.93% 29.77% 2,552.83% 4,959.80% 4,986.36% -11,515.80% 15,334.07%
Free Cash Flow to Firm to Interest Expense		 44.64 102.33 60.83 37.58 0.00 -9.99 -5.20 0.00 -68.36 -7.78 0.00
Operating Cash Flow to Interest Expense		 -1.39 61.80 -30.72 31.71 0.00 0.10 51.12 0.00 51.03 -31.33 0.00
Operating Cash Flow Less CapEx to Interest Expense		 -1.72 61.51 -31.14 31.00 0.00 -0.25 49.12 0.00 50.01 -31.60 0.00
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.45 0.49 0.58 0.49 0.47 0.53 0.62 0.53 0.58 0.59 0.64
Fixed Asset Turnover		 20.20 20.84 21.42 22.38 23.65 25.12 26.02 26.97 27.62 27.50 27.66
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 364 391 424 437 404 443 466 495 502 474 523
Invested Capital Turnover		 2.75 2.63 2.69 2.84 3.48 3.32 3.23 3.18 3.33 3.30 3.11
Increase / (Decrease) in Invested Capital		 -138 -143 -75 -33 40 53 42 58 98 31 57
Enterprise Value (EV)		 67 8.51 290 188 94 151 282 285 330 435 366
Market Capitalization		 275 297 521 446 404 449 579 535 631 596 666
Book Value per Share		 $8.49 $9.44 $10.57 $10.99 $10.02 $11.69 $12.59 $13.67 $14.05 $13.20 $15.03
Tangible Book Value per Share		 $8.49 $9.44 $10.57 $10.99 $10.02 $11.69 $12.59 $13.67 $14.05 $13.20 $15.03
Total Capital		 364 391 424 437 404 443 466 495 502 474 523
Total Debt		 103 103 103 102 102 102 102 102 101 101 101
Total Long-Term Debt		 103 103 103 102 102 102 102 102 101 101 101
Net Debt		 -207 -289 -230 -258 -311 -298 -297 -250 -301 -161 -300
Capital Expenditures (CapEx)		 0.53 0.48 0.68 1.16 1.00 1.14 3.25 1.48 1.66 0.88 1.22
Net Nonoperating Expense (NNE)		 7.01 0.00 0.00 0.00 0.40 0.00 0.00 0.00 3.48 0.00 0.00
Net Nonoperating Obligations (NNO)		 103 103 103 102 102 102 102 102 101 101 101
Total Depreciation and Amortization (D&A)		 0.00 0.00 0.00 0.00 1.63 0.00 0.00 1.62 0.00 0.00 1.61
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.00 $0.84 $0.80 $0.94 ($0.20) $0.70 $1.17 $1.24 ($0.57) $0.23 $1.48
Adjusted Weighted Average Basic Shares Outstanding		 0.00 30.75M 30.38M 30.27M 29.62M 29.83M 28.87M 28.60M 28.36M 28.50M 28.09M
Adjusted Diluted Earnings per Share		 $0.00 $0.84 $0.79 $0.93 ($0.20) $0.70 $1.14 $1.21 ($0.57) $0.23 $1.44
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 30.75M 30.63M 30.66M 29.62M 30.15M 29.40M 29.31M 28.36M 29.27M 28.78M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 30.43M 30.44M 30.08M 29.19M 28.97M 28.76M 28.48M 28.29M 28.10M 28.14M
Normalized Net Operating Profit after Tax (NOPAT)		 -65 25 24 29 -5.51 20 34 35 -13 6.02 41
Normalized NOPAT Margin		 -20.86% 7.72% 7.78% 8.45% -1.53% 5.31% 9.19% 9.31% -3.29% 1.58% 10.49%
Pre Tax Income Margin		 -29.81% 10.09% 10.55% 11.11% -2.19% 6.88% 12.96% 12.60% -4.70% 1.92% 14.04%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 -52.97 11.14 20.04 23.04 0.00 7.93 29.28 0.00 -11.19 2.27 0.00
NOPAT to Interest Expense		 -40.04 15.31 14.78 17.54 0.00 6.12 20.75 0.00 -7.84 1.86 0.00
EBIT Less CapEx to Interest Expense		 -53.29 10.85 19.63 22.33 0.00 7.58 27.27 0.00 -12.22 2.00 0.00
NOPAT Less CapEx to Interest Expense		 -40.37 15.02 14.36 16.83 0.00 5.77 18.75 0.00 -8.86 1.59 0.00
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 -25.11% -106.86% -151.94% 425.02% 32.78% 34.85% 30.07% 27.27% 30.72% 37.89% 33.77%
Augmented Payout Ratio		 -35.37% -159.17% -201.65% 610.67% 60.90% 67.81% 64.84% 58.17% 55.18% 75.07% 59.86%

Key Financial Trends

Universal Insurance Holdings, Inc. (NYSE:UVE) has shown varied financial performance over the last four years, from Q2 2022 through Q1 2025. Here is a summary of key financial trends and significant items observed from its income statements, cash flow statements, and balance sheets.

  • Premiums Earned continued to grow or remain stable, reaching $355.7 million in Q1 2025, up from $277 million in Q2 2022, indicating solid core insurance revenue growth.
  • Net Income showed a strong recovery in the most recent quarter (Q1 2025) at $41.4 million compared to loss periods, demonstrating improved profitability.
  • Total revenue trended upward, reaching $394.9 million in Q1 2025 from $292 million in Q2 2022, reflecting strong growth in insurance and related services.
  • Cash and cash equivalents increased overall, with $398 million in Q1 2025, demonstrating good liquidity management compared to $317 million in Q2 2022.
  • Consistent payment of dividends per common share at $0.16 across recent quarters provides steady shareholder returns.
  • Long-term debt was relatively stable over the period, around $100 - $103 million, indicating manageable leverage but no significant deleveraging.
  • Amortization expense remained steady around $1.6 million per quarter, reflecting consistent accounting of intangible assets.
  • Property & Liability Insurance Claims expense remains high and fluctuated, with $250.6 million in Q1 2025 compared to $200.3 million in Q2 2022, impacting margins.
  • Other Operating Expenses have increased slightly, reaching $87.2 million in Q1 2025 from about $73 million in mid-2022, potentially pressuring profits.
  • The company experienced negative net income and cash flows in several quarters during 2022 and 2023, including a large loss of over $72 million in Q3 2022, signaling volatility and challenges in profitability during those periods.

Summary: Universal Insurance has demonstrated resilience with improving profitability into 2024 and 2025, supported by increasing premiums earned and revenues. The company maintains strong liquidity and continues to reward shareholders with dividends. However, expenses related to insurance claims and operating costs remain elevated, and there have been periods of losses and negative cash flows previously. Investors should watch for sustained profit growth and expense management going forward.

08/08/25 07:32 PMAI Generated. May Contain Errors.

Frequently Asked Questions About Universal Insurance's Financials

When does Universal Insurance's financial year end?

According to the most recent income statement we have on file, Universal Insurance's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Universal Insurance's net income changed over the last 10 years?

Universal Insurance's net income appears to be on a downward trend, with a most recent value of $58.93 million in 2024, falling from $72.99 million in 2014. The previous period was $66.82 million in 2023.

How has Universal Insurance's revenue changed over the last 10 years?

Over the last 10 years, Universal Insurance's total revenue changed from $369.28 million in 2014 to $1.51 billion in 2024, a change of 310.0%.

How much debt does Universal Insurance have?

Universal Insurance's total liabilities were at $2.47 billion at the end of 2024, a 25.0% increase from 2023, and a 256.3% increase since 2014.

How much cash does Universal Insurance have?

In the past 10 years, Universal Insurance's cash and equivalents has ranged from $105.73 million in 2016 to $397.31 million in 2023, and is currently $259.44 million as of their latest financial filing in 2024.

How has Universal Insurance's book value per share changed over the last 10 years?

Over the last 10 years, Universal Insurance's book value per share changed from 5.83 in 2014 to 13.20 in 2024, a change of 126.1%.


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This page (NYSE:UVE) was last updated on 8/8/2025 by MarketBeat.com Staff
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